Hdfc Ergo Critical Illness
  • Lifetime Renewability
  • No medical checkup upto age 45
  • 15 critical illness covered

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Sum insured

Up to 2 CR


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Solvency Ratio



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Customized Health Insurance Plan for you.

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Sum insured

Up to 2 CR


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Hdfc Ergo Critical Illness

Critical illness are long term life threatening ailments which come with a huge treatment cost. The procedures to treat are generally expensive, and have the potential of depriving you of your entire savings. To deal with the exorbitant cost involved, you need to be prepared accordingly. The cost of medical treatment for critical illnesses is exorbitant and one needs to be accordingly protected from such unwarranted costs. For this we need a Critical Illness Insurance policy that covers the insured against life-threatening critical diseases such as cancer, heart attack, renal failure etc. The HDFC ERGO Critical Illness Plan comes here as a savior as it pays out cash to help cover those overruns when traditional health insurance may fall short.

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HDFC ERGO Critical Illness Plans

The HDFC ERGO Critical Illness Plans offer a lump sum benefit amount to the insured person on the first diagnosis after a survival period of 30 days and for any one of such illnesses as specified in the policy. There are two plan variants as both plans have a large coverage, with few differences . Let's have a quick view of the plans:

The HDFC ERGO Critical Illness - Silver Plan

The policy comes with the benefit of lifetime renewability and a high sum insured of up to 50 lakhs. Here are its key features:

Unique Features

  • Covers 8 critical illnesses
  • 1 to 2 year coverage
  • No checkup till 45 yrs

The HDFC ERGO Critical Illness- Platinum Plan

The platinum policy comes with a larger critical illness cover and high sum insured of 50 lakhs. The plan needs zero documentation.

Unique Features

  • Covers 15 critical illness
  • No checkup till 45 yrs
  • Lifetime renewability

Other Critical Illness Health insurance companies

The HDFC ERGO Critical Illness Plans Eligibility

People who want to opt for HDFC ERGO Critical Illness plans must meet the following eligibility criteria:

Age (as on last birthday)

Minimum: 18 Years/ Maximum: 65 Years

Free Look Period

15 Days

Policy Term

1/2 Years

Plan Type


Sum Insured

1 Lacs | 50 Lacs

Grace Period

30 Days*

  • Individuals with entry age above 45 years have to undergo a medical checkup before the policy is issued.
  • The policyholders may have to undergo a pre-policy check depending on the age and sum insured at the empanelled diagnostic centers at their own cost.

Health Insurance Companies

HDFC ERGO Critical Illness Features

HDFC ERGO Critical Illness plans has many unique features. Let's have a look at the features of the policy.

  • Lump sum benefit on the first diagnosis of any of 15 critical illnesses.
  • Two plan variations i.e. of Silver and Platinum are available.
  • Lifetime renewability option.
  • Entry age 5 years to 65 years.
  • Sum insured available from INR 100,000 to INR 50,00,000.
  • Option to choose survival period of 15 days/ 30 days.
  • Tax Benefit under section 80D (Subject to change in Tax Laws).

HDFC ERGO Critical Illnesses Covered

The list of critical ailments covered by HDFC ERGO are as follows:

Heart Attack (Myocardial Infarction)

Coronary Artery Bypass surgery


Benign Brain Tumor

Parkinson's Disease

Alzheimer's Disease

End Stage Liver Disease


Major Organ / Bone Marrow Transplant

Multiple Sclerosis


Aorta Graft Surgery

Primary Pulmonary Arterial Hypertension

Heart Valve Replacement

Kidney Failure

Explore other HDFC ERGO Health Plans

There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO Critical Illness Health Insurance. Take a look below to explore them:

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Critical Illness Policy (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • 1 or 2 Year Policy Period
  • End Stage Liver Failure
  • No Cover ceasing age

Critical Illness Policy (Cons)

  • 10 Lakh Fine on Wrong Claim
  • Tuberculosis Not Covered
  • PED after 48 months
  • Kaposi's sarcoma Not Covered
  • Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

  • 3 Variants (Silver, Gold, Platinum)
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Wallet Family Floater (Pros)

  • Reserve Benefit
  • 100 % Restore Benefit
  • Recovery Benefit
  • 50% Increase On SI on Renewal
  • World Wide Coverage

Wallet Family Floater (Cons)

  • External Congenital diseases
  • Drugs Treatments
  • Miscarraige Not Covered
  • Deductibles (Optional)
  • No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

  • Ambulance Cover
  • 5 Year Policy Cover
  • Portability
  • 30 Days Grace Period
  • Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC iCan Cancer (Pros)

  • Ambulance Cover
  • Follow up care post treatment
  • Conventional Treatments
  • Hormonal Treatment
  • Stem Cell Transplantation

HDFC iCan Cancer (Cons)

  • No Non Allopathic treatments
  • No Prosthetic Devices
  • No Overseas Treatments
  • Pre-existing condition for Cancer

HDFC iCan Cancer (Other Benefits)

  • Sum Insured Enhancement
  • CritiCare Benefit
  • Family Care Benefit
  • Lifetime Renewal
  • MyCare Benefit

HDFC iCan Cancer (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 120 Days

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Koti Suraksha Plan (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

  • Infertility Treatment
  • No Unproven Treatments
  • No Dietary Supplements
  • No Maternity Treatments
  • No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

  • 5% Non-Medical Expense Covered
  • Emergency Worldwide Coverage
  • Aggregate Deductible
  • Overseas Treatment
  • Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 Cr
  • Waiting Period - 30 Days

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Maternity complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

My:health Women Suraksha (Pros)

  • AYUSH Benefit
  • Alternative Treatment
  • Organ Donor Benefit
  • Domiciliary Hospitalization
  • Pre and Post Hospitalization

My:health Women Suraksha (Cons)

  • Adventure Sports Injuries
  • No Sexsually Transmitted diseases
  • No Cosmetic Surgery
  • Alcoholism issues not covered
  • No Self Inflicted Injuries

My:health Women Suraksha (Other Benefits)

  • Parent and Child care Cover
  • Child Care Benefit
  • Vaccination
  • Air Ambulance
  • Health Coach

My:health Women Suraksha (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - Lifetime Entry
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

HDFC ERGO Critical Illness: FAQs

1. What is the minimum and the maximum age for the HDFC ERGO critical illness plans?

The age duration to purchase HDFC ERGO Critical Illness plans is minimum of 5 years and maximum 65 years.

2. What is the age up to which medical test is not required in HDFC ERGO critical illness plans?

For HDFC ERGO Critical Illness Plans medical test is not required up to the age of 45.

3. What is the survival period for HDFC ERGO Critical Illness Plans?

The patient should survive for at least 30 days even if he is diagnosed with a critical illness listed in the insurance coverage

4. Why do we need a critical insurance plan?

Critical Illness Insurance provides you and your family, the additional financial security on the diagnosis of a critical illness. The policy provides a lump sum amount which could be used for costs of the care and treatment, recuperation aids, debts pay off and many other benefits.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.